Home Insurance in Cayuga, New York
With a median home value of $158,100, Cayuga is 8% lower than the Cayuga County median.
The median home in Cayuga was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 69% of homes were built before 1960, about 17 points above Cayuga County's 52%.
The housing stock in Cayuga is 86% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 69% of owner-occupied homes in Cayuga have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Cayuga are owner-occupied.
In Cayuga, 78% of homes are primarily heated with natural gas.
FEMA rates Cayuga County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Cayuga County had 308 active NFIP flood policies as of September 2026. See the full Cayuga County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
In New York, the statewide average premium for a standard HO-3 homeowners policy is $1,801 per year (NAIC, 2023 data).
Key figures
| Median home value | $158,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Cayuga County | 308 |
| Home insurance premium | $1,801 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)